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There’s a good chance that at some point you’re going to have to apply for an automotive loan, also known as a car loan. Auto financing has grown into one of the largest loan industries in the world today.

With the cost of new cars and trucks on the market today, it’s perfectly understandable why a person would likely need to finance their new vehicle. Of course, depending upon your credit score and the car or truck that you want to buy you might find it a bit difficult to find the automotive loan that you want with an interest rate that you can afford.

With a little bit of careful shopping and comparing of interest rates and loan terms it should be very easy to determine which automotive loan is right for you. Below you’ll find some basic tips to assist you in your search for a car loan.

Determine how much you can afford

The first thing that you should do when looking for a new car or truck is to determine exactly how much you can afford to spend, and how much you’ll need to borrow. The initial down payment that you make will affect both your interest rate and monthly payment, so you should put forth as much of an initial payment as you can.

After you’ve decided exactly how much you can afford to spend on your initial down payment, you should also figure out how much you can afford to spend on your monthly payments. If you might be cutting it close to not having enough money for a certain monthly payment, it would be best to cut back on the amount you think you can afford so as not to cause any financial problems down the line.

Choosing the right car or truck

Once you’ve started looking for your car or truck, there are a few things that you should be on the lookout for so as to avoid problems with your financing later.

If you’re going to apply for automotive financing, you should look at the new and used cars and trucks that are for sale from automotive dealers… lenders are much more likely to grant you a loan for a car or truck that’s purchased from a dealer than from an individual because of the assurances that a dealer can provide that the transaction is legal and legitimate. In addition, automotive dealers carry a much larger selection than most individuals would have access to.

Shopping for the best car loans

When you’ve found a car or truck that’s in good shape and is priced so that you can afford the payments, it’s time to start shopping for your loan. So as to find the best interest rate for your loan, it’s important to consider all of your options when looking for a lender… visit your local banks, finance companies, and even some online lenders so as to compare the interest rates that each offers.

Get quotes for both interest rates and loan terms, since some lenders may offer better repayment terms than others, and compare them individually in order to find your best deal.

Once you’ve found your best loan offer with the best interest rate, go ahead and submit your application for financing… make sure that you keep your next best offer on hand, though, just in case there is some problem with the lender or the dealership and you aren’t able to get the first loan that you apply for.

The automotive world can seem heartless and when you’re working in it you have to find meaning behind what you’re doing or you’ll drive yourself nuts! Here are some things to ask yourself so that you can have a better feeling about what you do for a living and make a better living on top of that!

Consider this a worksheet to figure out what makes you tick and how to make yourself more efficient at ticking instead of ticking yourself (or someone else) off.

1) Find out what your driving force behind doing a great job is!

-There has to be something out there that makes you want to do a great job. Mine is to support my wife and give her the lifestyle that she deserves (not what she wants because she’s perfectly content with what we have). Another great angle here is that I want people to be protected out there on the roads; so helping them purchase a service contract, tire protection, or GAP insurance really makes me feel great!

2) Find out what doing a great job is.

-A great job, to me, is maxing out my pay scale. If I sell more than 1.4 products per unit (on average) and average $800 per unit sold, I get 19% of the back-end profit! I average around $1100 per copy and 1.86 products per unit, so not only am I maxed out, but I don’t have to scramble to get more cars to make more money (simply because I’m making more off of less cars than some other business managers). If I’m having a slow month I’m still making a little over $200 per car, so if I put 40 cars on the road that’s still $8,000 per month, plus bonuses from the dealership and from the service contract company. Plus I still sell about four cars per month, so that eats away my draw throughout the month so when my monthly F&I check comes, there’s nothing being taken away from it!

3) Figure out your niche!

-My niche is coming across as being helpful instead of someone who’s trying to sell the crap out of anything to anyone. My fellow business managers tell me that I have a certain look about me that comes across as being someone who you can be open and honest with. Do I take advantage of this? You bet I do! Do I lie to people to sell them things? Heck no! Do I ask questions that make it hard for them to say no to me after I know the answers to them? Dang right! I know that if I get someone who’s straight to the numbers, I’m not the strongest so I will actually T.O. to another business manager who is stronger with them. But when they get someone who they’ve made upset by being too pushy, they’ll come and T.O. to me because I can build rapport very quickly and become a part of their shopping team instead of someone who’s pushing products.

Start with these three things, write out your answers and think about them. Once you figure out these three things you are on your way to making more money!

Is this the be all end all of lists to help you make more money? Absolutely not!

But will this help you to catch some momentum and build a happier work day? You hit the nail on the head!

For every person who is suffering from a diminishing mane, there is one question that arises in his or her mind at least once in a lifetime –

Are hair loss supplements useful for men and women?

Hair fall is not a health problem as severe as hair loss. In fact, it may not be a health problem at all. A daily fall of 50 to 100 strands is a normal scenario. Hair follows a specific growth cycle. Old hair falls out only to make way for new ones.

In this article, we will explore if hair loss supplements are really useful to maintain a voluminous mane.

Before beginning with our investigation, let us attempt to understand why hair loss occurs in the first place. There are 3 phases in which hair grows and develops. They are:

I. Growth Phase or Anagen

II. Cessation Phase or Catagen

III. Rest Phase or Telogen

The growth phase lasts for a much shorter time period than the rest phase. It is during this last phase, that is Telogen, that follicles start getting weak. They stop absorbing the right amount of nutrition. This makes hair falling out a perfectly natural phenomenon. It is only when this falling out happens excessively that hair loss becomes a concerning health problem.

Baldness or alopecia occurs when new hair does not grow as fast as old hair rests. Telogen phase starts to last longer than Anagen phase. Follicles remain weak for an unusually long time. The number of strong hair decreases and the number of weak ones increases.

The Role of Supplements in Offering Hair Fall Solution –

1. Maintain the Natural Cycle

Hair loss supplements help maintain the ratio between the three growth phases. They ensure that the Telogen phase does not exceed its designated time period. This makes hair remain healthy for a longer time. They do not age before their time.

Supplements for hair loss also increase the duration of Anagen phase. New growth takes place more frequently. The process of growth occurs over a long time period. Healthy hair remains for a long time and successfully, outnumber the weak ones.

2. Provide Nutrition like Vitamins for Hair

One of the main reasons why follicles weaken is that they do not receive proper nutrition. There are plenty of nutrients and vitamins for hair that must reach your scalp and follicles. Unfortunately, a busy and fast lifestyle sometimes does not allow you to follow a healthy balanced diet.

It has caused nutrition gap to become a common problem. Your hair needs ample amounts of protein, vitamins and minerals. Daily diet fails to provide nutrition in the best quantity. Supplements for hair loss are high in nutritive value. They are able to provide specific nourishment that your diet cannot.

In today’s age, modern design homes are rising in demand and the reason behind this is that it represents a unique combination of a traditional and contemporary style that enhances the aesthetic appeal of the house. However, working on a modern home design plan is not an easy task. You have to select professional builders who hold many years of experience and knowledge in this field. A professional builder not only provides useful suggestions on what is possible and what is not, but also makes sure the materials used in the construction process are of high quality.

Why should you go for choosing luxury home designs?

The reasons are innumerable when you ask about considering luxury home designs. Here, in this article, you will come to know about a few of them. Let’s have a look

Size

If you wish to have a large bedroom with all modern amenities, a custom-made luxury home is an ideal option. Here, you can decide how many bedrooms or washrooms you want in your home. Besides this, you will also get a chance to select the square footage and size of the room.

Defines your taste

When you will go for a custom home plan, you have the right to decide everything as per your taste and convenience. You can also check out the quality of materials and decorate in a way you want. By establishing a customized home, you will feel like this is the home of your dreams you always want to live in.

Enhances your lifestyle

Would you like to have your personal yoga studio where you can practice yoga classes? When you will go for modern homes, you can make all these arrangements to make your dream home a part of your life. A custom-made home provides the means and space to live out with your goals.

Makes a sound investment

Some people think that buying or building a custom home costs a huge. But, this is a misconception because the cost a homeowner bears for fixing the hidden problems of an existing house is almost equal or higher than the cost of building a new or fresh custom house. Going for a custom home plan ensures your new home is made structurally strong using quality materials chosen by you.

Things you must consider for choosing luxury home builders

When it comes to build a custom-made home of your dreams, the most important decision lies in selecting a professional home builder who has the capacity to transform your dream into reality. But how can you judge their quality of work? Check out the tips below –

Experience counts

The home builder you choose for your project should be an experienced veteran working in this field for many years. However, it is true that every builder once starts as a newbie, still, experience counts in all spheres.

Check out the reviews of previous clients

A professional builder always has a keen interest to show his works to the customers so that they can get an overall idea about his quality of work.

Industry involvement

Before choosing a builder, make sure whether he has an involvement in local home builder association or not.

Therefore, you should never miss considering these factors while choosing luxury home builders.

I am a professional writer working on various topics such as interior design, lifestyle, fashion, food and many more topics. Interior design is one of my favourite subjects. I like to help people getting their dream home by providing effective tips. I value one’s emotion about one’s house. Therefore, I like to be my clients’ companion in weaving the dream of a house.

One may think that a down payment is the greatest financial obstacle one has to face when purchasing a new house, but let us tell you that there are numerous expenses linked with owning the home of your dreams. We have provided you some simple tips to help you handle those difficulties many people face when buying their first home.

1. Creating a New Financial Plan

One thing to consider is changing your budget, or creating a new budget, once you purchase your home. This may seem like common sense but there is more to it than that. Once you move from an apartment to a home, expect your utilities and maintenance bills to increase due to the fact that you are now moving into a greater space and are now responsible for maintaining that space on your own.

Instead of alternating a mortgage payment for your prior rent payment, spend some time tracking expenses, then update your budge so that it mirrors the actual cost of living in your new home. Since you may find that you will be spending more than expected, you will need to adjust some of your expenses such as travel and leisure.

2. Prepare to Spend Money on Upkeep and Maintenance

As mentioned above, you will be responsible to spend some money on maintenance and repairs to keep your home in great condition. Some repairs may be pricier than others such as major and unexpected projects like a leaky roof or an outdoor living space; the costs to repair these kinds of projects may make you adjust your budget even more.

3. Keep in Mind Property Taxes May Rise

Property taxes have a tendency to rise, and for several reasons. The first, and main reason is that property taxes are based on the Assessed Value of your home tied together with local city tax rates. So the higher the Assessed Value of your home, the higher your property tax may be when you acquired your home. Or for example, if you decide to perform various home improvement projects within your home that require a city permit, and is considered a capital improvement to the home. The Assessed Value of your home will rise, thus making your property tax higher.

Another reason for increase in your property taxes are proposition bond measures during elections. To protect yourself, the first thing to consider doing is consider voting. There are many bills on the ballot each year that affect your property tax once they are passed. You and your lender will receive a new bill for your new tax obligations.

Despite the few changes of owning a new home, there are also many benefits when compared to renting a house or an apartment. You will no longer have a landlord telling you what you can and cannot do, and most importantly you will be gaining equity by having a house that you personally own. So if you are in the market to purchase a new home keep in mind the tips mentioned above, but also see the positive impact it will have in your future.

Property consisting of land and the buildings, as well as with its natural resources such as minerals or water, crops, immovable assets of this nature and buildings or housing in general. The business of Real Estate is the profession of buying, selling, buildings or housing and renting land. Before going ahead, some important factors about estate should be kept in mind to do your job well.

Types of Real Estate

• Residential:

Containing either a single family or joint family, that is available for non-business purposes. There may be different types of housing tenure also, and the size of an apartment or house can be described in meters or square feet. But the area of “living space,” excluding the garage and other non-living spaces may differ in some countries.

• Real Estate Investment

This Investment is the thing that generates income or is otherwise intended for investment purposes. Investors own multiple pieces of real estate, which serves as a primary residence.

• Commercial:

It is a property that is used the design for business solely. For instance, commercial estate includes restaurants, offices, parks, malls, gas stations and convenience stores

• Industrial:

The property that is used for industrial work. But it covers a vast range of business types and comes in all shapes and sizes.

Industrial Real Estate includes single or double-storey buildings. Small industries have flexible interior space. Large industries include medium to large warehouses and factories that are designed to store goods or manufacture.

To become.

Fortunate Real estate agents, need to be familiar with their locality, reasons to increase or decrease property prices. For instance, if a new airport or road is to be built this can increase the price of nearby houses. Equally, improvement of an area can enhance prices. The agent must be aware of recent sale prices or rental for comparable properties of the area.

To become estate agents or professionals, dealing with all residential, agricultural and commercial property. They should adhere to a code of conduct, which includes regulations about looking after their clients’ money.

If the deal complete, then estate agent may charge anything from 1% to 2%, and this is calculated on the sale price of the property.

Making an online fortune as Real estate agents or agencies working most notably online, normally offer a choice of fees, most of which are paid in advance. The range of prices is from $300 to $800, which is payable in advance. Many online estate agents offer their service up front but they deferred the way of payment, it means there is nothing to pay in advance, but after a period a fee will become payable.

A lot of business owners wish to have a wonderful office. Of course, having such office can help them experience a better and comfortable work area. Not to mention, good offices can attract potential clients. However, in order to attain this, it is important for business owners to have good building creative concepts. But, there are numerous factors you need to consider to get the best results. Below are some of the things you need to consider.

Identify potential needs and problems

First and foremost, when making building creative concepts, it is imperative for individuals to identify potential need and problems. Knowing needs allow individuals to determine what things must be included in the designs. Not to mention, individuals can also create a better perspective on how buildings must be constructed. Apart from that, identifying problems before starting the project can help you reduce your expenses. Plus, reducing problems can also increase safety in your work area.

Create the right design

After identifying potential needs and problems, it is now time to create your design. Of course, when designing, you need to be cautious. This is essential to ensure that you will all have the features you need which can match your budget. In addition, it is also important to determine your space. This is another important factor when designing to ensure that you are creating a design that will allow you to make you building space more comfortable and appealing. Knowing these aspects will help you create the right designs you are looking for.

Establish safety schemes

When making building creative concepts, individuals need to make sure that they can establish safety schemes. Of course, accidents may occur unexpectedly. It gets even worse if these accidents will harm your employees. So, make sure that you create safety schemes on your designs. With these schemes, you can reduce risks and prevent overhead expenses which can help improve your finances and profits.

Hire professionals

Lastly, in case that you do not have any ideas or skills in making building creative concepts, it is also best to hire professionals. Luckily, there are numerous professionals who can help you create wonderful building concepts. These experts can even step into another level by providing you with other services that can complement your needs. Plus, they can also help you ensure that their designs can complement your needs properly.

Considering these simple tips, can help individuals make sure that they can create amazing concepts for their buildings properly and easily.

The memories of good times, good food and a parade that only comes once a year will linger with all of us some time now that this year’s national holiday of Thanksgiving has passed. The annual parade that takes place in NY City has become a spectator’s dream – something that fairy tales are made of.

From the insurance perspective of course, such a huge pageant needs more than average protective coverage. In fact, there is specialized insurance for all forms of public events.

– As an event employee directed the vehicular traffic, a motorcycle struck a pedestrian at the street corner. The man suffered an ankle fracture as well as spinal injuries. The related claim involved more than $68,000 in hospital bills and loss of wages.

– While walking around the enclosed kids skating event, a parent tripped over a loose piece of carpet and broke her leg. Doctors determined she required immediate surgery. Medical costs exceeded $23,000.

– A social guild performed at a local high school auditorium. Though the fake blood used during the play was a factor in the performance’s success, it did not help them financially. The school sued the guild for damages incurred when the ‘blood; used in the play stained the stage curtain. Damages amounted to $7,500.
Liquor Liability Insurance Coverage

– An attendee at a Fourth of July event, drank many rounds of alcoholic beverages. After leaving the festivities to go home, the man crashed into another vehicle. The other driver incurred many injuries, prompting $300,000 in doctor and hospital bills. In addition to suing the intoxicated perpetuator of the accident, the victim sued the event director as well due to his negligence in offering alcoholic beverages to a man that already was drunk.

– An underage participant at a beer tent party drank so much alcohol that he became intoxicated. Instead of being driven home by someone else, the teen drove his car himself. The teenager lost control of the car, smashed into a telephone pole and suffered extensive face injuries. The teen’s parents sued the event sponsor along with the beer distributor for $150,000 in damages while declaring unlawful serving of alcohol to a minor.

– All went perfectly fine at the rodeo until an intoxicated participant walked across the street to enter the event and was hit by an automobile. The victim died as a result of the impact. The event’s insurance company handled a comprehensive investigation that led to irrefutable proof that the dead man had a.26% blood alcohol level but was not given drinks by the rodeo employees. The entire matter was dropped without significant payout.

The vehicle telematics system and User-Based Insurance (UBI) are key trends in the auto insurance industry and expect a disruptive change in the near future.

Digital technology is transforming the insurance marketplace enormously and the insurers are investing significant attention to meet the customer expectations by adopting vehicle telematics system. The customer vehicle integrated with the telematics system helps to calculate insurance premiums which is dependent on the distance covered by the vehicle, the speed the driver maintains while driving, and also the overall driving habits of customers as this information can be read and stored by the telematics app and made accessible to not only the insurers but also all stakeholders.

Vehicle telematics is recalibrating the auto insurance industry expectations and opening new ways to reach out to the clients. The rise of vehicle telematics not only changing the policyholders’ demands, but also disrupting the way it should be supplied. Many insurers are offering more personalized insurance policies to each and every individual.

Telematics as a major disruptor

The digitization process that telematics has brought in recently has made the total insurance industry to stand up and take notice and eventually catch-up with this change. Recent research studies have revealed that vehicle telematics is playing a prominent role to disrupt the auto insurance industry for positive business outcomes. In this way, Big Data is playing a vital role in helping insurers to solve various challenges such as data mining, handling, warehouse data, building data path for user applications and among many others by adopting extensive and varied data structure, which are made easily accessible to vehicle telematics system with the influence of cloud computing. The access control of the vehicle, real-time updates of traffic congestion and weather forecasts and many other vehicle telematics options are remotely accessed with the help of cloud computing, for both customers and insurers. The big data and cloud computing technologies are the mainstream of vehicle telematics system and hence are attracting new customers towards insurance policies by providing convenience and comfort in service.

Over the years, the auto insurance companies have successfully reduced the gap between insurers and customers. The vehicle telematics-enabled usage-based insurance is gaining momentum to meet the customer satisfaction with a flexible pricing model over the traditional pricing model and as a result policyholders can pay the insurance rates based on their driving behavior. It is an ultimate transformation that is giving customers complete control over their insurance premiums. To help policyholders for their driving risks, User-Based Insurance (UBI) model encourages individuals to drive safe and lower the risk of accidents happening through live feedback even as they can save money by improving their driving skills.

In the US, Insurance companies are implementing different approaches in User-Based Insurance model and the simplest, auto insurance policies are trending in the auto insurance market, such as Pay As You Drive (PAYD) is one among them. Rather than paying a fixed annual premium charge, PAYD ensures premiums are calculated based on the number of miles/kilometers driven by the policyholder with the help of vehicle telematics system.

United States is considering the UBI model as their grid. The spate of recent successes has confirmed immense response of policyholders towards this new approach. Even in many European countries, insurers moved to the next level of Pay-How-You-Drive (PHYD) right after the huge success of Pay-As-You-Drive (PAYD) model.

The Pay How You Drive (PHYD) monitors the driver behavior and driving style, the premium charges are reduced accordingly with improvements in driver behavior.The UBI has a great potential gateway to digitally enhance customers, as a result, PHYD has created a remarkable platform for auto insurance policies, but a number of insurers have started looking beyond the Pay How You Drive (PHYD)model for better user experience, as a development Manage How You Drive (MHYD) considered as the next move of UBI. Manage How You Drive (MHYD) offers a discount to safe drivers and also intimates the policyholders about driving performance through monthly feedback depending on their driving score.

Vehicle telematics benefits:

• Experienced drivers often pay unreasonably high premium charges which can be reduced easily.
• Encourages policyholders to drive safely and reduce the risk of accidents.
• If the policyholder drives very often then he/she will get fewer premium charges.
• Continuous monitoring of the driver helps to improve the driving behavior.
• It’s very easy to track vehicle health and fuel consumption of the vehicle.

The vehicle telematics system and User-Based Insurance system is imparting a major disruptive change in the auto insurance industry with innovative insurance policy models for customer convenience. However, insurers are implementing different strategies to improve the marketing and sales process of UBI model to maintain the balance in insurance policies, perhaps the priority is also given to the risk management and price calculation from the customers’ stand point. The disruptive vehicle telematics system can trigger the process of auto insurance policies and can be sustained without any major change in the insurance company structure, business model, and strategy. The vehicle telematics system is known for its conservative posture and disruption is never really easy for such systems, especially in the auto insurance industry. But the year 2016 can be a year of continuing transformation of vehicle telematics system, in which the insurance companies who remain as innovators will be those who are willing to engage in significant rethinking.

Accidents happen. It is just a fact of life. Safety is the best prevention, but sometimes the inevitable cannot be avoided. Having insurance is a worthwhile investment for protecting you and your loved ones. However, getting insurance of any kind can involve a lot of jargon that is not always easy to grasp. Before taking the leap into monthly payments, educate yourself so that you get a plan that works best for you. An insurance agent can help fill in the gaps, but below is a group of terms to become familiar with. Even if you already have a plan, this guide can help you better understand the terminology.

General Terms

A premium is the amount of money that must be paid to the insurer who provides coverage. This fee is usually due on a monthly basis. To achieve a lower premium, shop around for the best possible quote and try to maintain a good credit record. The deductible is the portion of money that you, the policyholder, must pay in the case of an accident. The insurer is then responsible for covering the remainder of costs. Generally, higher deductibles result in lower premiums. If you decide to go this route, make sure that you have enough money set aside to cover your higher deductible. A claim is a request made by the policyholder if an accident occurs. This request is for costs to be covered by the insurer. The adjuster is the person who analyzes a claim and provides recommendations for a settlement based on the damage and policy. Preferred Risk is the term for when an applicant shows lower risk for accident or injury than the average person. These applicants tend to be eligible for rate discounts.

Auto

Accident forgiveness is an option provided by some companies to protect drivers. This option prevents the driver’s premium from increasing after their first at-fault accident. It is especially helpful when the company extends this forgiveness to others on the policy, such as teen drivers. Other potential discounts to look into include low annual mileage on your vehicle, having no accidents in three years, and having multiple cars on the same plan.

Health

There are several different ways of getting health coverage. Group Health is when an employer provides health insurance plan options for its employees and their dependents. The policies are normally at a reasonable or discounted rate. Many people take advantage of this opportunity because it is convenient and secure. Health Maintenance Organization (HMO) is when the insured person pays a fixed membership fee ahead of time. In return, they receive comprehensive health care from a list of approved providers in a certain area. HMOs are usually more affordable, but they do not provide as much coverage. Preferred Provider Organization (PPO) is a health plan that lists preferred health care providers. When patients visit the preferred providers, they may receive incentives such as a lower copay. Copay is a flat rate that the patient must pay each time they receive services from their healthcare provider. Another way to lower copayment is through a cost sharing reduction subsidy that lowers out-of-pockets expenses.

Hopefully, this guide has helped to clarify some of the terms that can be found in the fine print of policies. Although insurance can be expensive, there are options available to help lower premium rates. For example, if you are a college student who gets good grades, you may be eligible for a good student discount on your auto policy.